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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (144799 reviews)

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4.73

Based on 144,793 reviews, last reviewed 24th Jun 2026

4319150% increase in 5 star reviews

in the past 90 days

12450% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great way to pay for goods and services. Been using PayPal for a long time. Never had any issue. Reviewed on: 24th June 2026

Latest lowest rating:

1

Scam alert Alerted that I couldn’t have credit due to credit check and referred to team union. ( I gave excellent credit rating on experien.). Trans union asjed ... Read more Reviewed on: 22nd June 2026

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About this product

PayPal Credit is a reusable digital credit line that can be added to your PayPal wallet and used for eligible online purchases.

Accepted at thousands of online retailers that offer PayPal at checkout, PayPal Credit is a flexible way to pay. Eligible purchases get PayPal’s encryption and 24/7 fraud monitoring, as well as Buyer Protection.

PayPal reviews help you find out what it’s really like to be a customer. If you’ve used PayPal before, you can also leave a review and share your experience.

PayPal PayPal Credit reviews (144799)

Review of the PayPal, PayPal Credit:

Good experience only customer service in chat but ha...

Good experience only customer service in chat but hard sometimes Reviewed on: 12th June 2024

I find PayPal extremely flexible and easy to use.

I find PayPal extremely flexible and easy to use. No fuss, it just works well and having used it for many years its always my preferred choice for any transactions. Reviewed on: 23rd June 2026

I use PayPal for most of my online purchases.

I use PayPal for most of my online purchases. I feel that my transactions are secure and refunds are received very quickly. I love that large purchases like holidays can be paid in three or by PayPal credit without any interest over 4 months. Reviewed on: 23rd June 2026

Good service and availability for purchases in diff...

Good service and availability for purchases in different places Reviewed on: 23rd June 2026

Easy to use payment option, wide variety of payment...

Easy to use payment option, wide variety of payment option available Reviewed on: 23rd June 2026

Excellent

Very happy with PayPal would be lost without it Reviewed on: 23rd June 2026

It's functional but lacks transparency around repaym...

It's functional but lacks transparency around repayments. It should be clearer about giving users the opportunity to repay purchases that would otherwise incur interest first, the current experience is misleading. Reviewed on: 23rd June 2026

PayPal is extremely helpful.

PayPal is extremely helpful. Also, the 4 months interest free opportunity is what seals the deal. Reviewed on: 23rd June 2026

Paypal Credit, way to go!!

Until I found PayPal Credit, I was stuck in a rut trying to endlessly save for one thing at a time. Now I can budget and plan for more than one thing at a time. It is a great way to achieve what you need to do, like paying for concert tickets that come up unexpectedly and be able to book hotels and travel to get to the concert! Wonderful service!! Reviewed on: 23rd June 2026

Interest free PayPal Credit

I have used PayPal Credit several times for interest-free purchases and have always found it to be a convenient and reliable way to spread the cost of larger purchases. The application process was straightforward, and managing payments through my PayPal account is simple and easy to track. The interest-free offers have helped me budget more effectively without paying extra charges, provided the balance is cleared within the promotional period. Payments are processed smoothly, and I appreciate the flexibility and security that PayPal provides when shopping online. Overall, I have had a very positive experience with PayPal Credit and would recommend it to anyone looking for a flexible interest-free payment option for larger purchases. Reviewed on: 23rd June 2026

Bad experiences,

Bad experiences, very confusing app, can not get proper response or information Reviewed on: 23rd June 2026

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